Alternative database

Alternative Options

What else fills a coverage gap — ACA marketplace subsidies, Medicaid, church health shares, fixed indemnity and honest cost comparisons against short-term medical.

Continuation 1 Indemnity 1 None 1 Public 1 Sharing 1 Subsidized 1

Alternative

Going uninsured (self-insure): Cost and When It Beats Short-Term Insurance

Going uninsured (self-insure): $0 + risk, best for very short gaps with savings. Honest comparison against short-term.

Option Going uninsured (self-insure)Typical cost $0 + riskBest for Very short gaps with savings

Alternative

COBRA continuation: Cost and When It Beats Short-Term Insurance

COBRA continuation: $450–$700+ (full group cost), best for keeping exact current doctors. Honest comparison against short-term.

Option COBRA continuationTypical cost $450–$700+ (full group cost)Best for Keeping exact current doctors

Alternative

Fixed indemnity plan: Cost and When It Beats Short-Term Insurance

Fixed indemnity plan: $50–$150, best for supplementing a high-deductible plan. Honest comparison against short-term.

Option Fixed indemnity planTypical cost $50–$150Best for Supplementing a high-deductible plan

Alternative

Health share ministry: Cost and When It Beats Short-Term Insurance

Health share ministry: $150–$450, best for healthy, flexible, budget-driven. Honest comparison against short-term.

Option Health share ministryTypical cost $150–$450Best for Healthy, flexible, budget-driven

Alternative

Medicaid / CHIP: Cost and When It Beats Short-Term Insurance

Medicaid / CHIP: $0, best for qualifying incomes. Honest comparison against short-term.

Option Medicaid / CHIPTypical cost $0Best for Qualifying incomes

Alternative

ACA marketplace plan (subsidized): Cost and When It Beats Short-Term Insurance

ACA marketplace plan (subsidized): $0–$120 after subsidies, best for low incomes / pre-existing conditions. Honest comparison against short-term.

Option ACA marketplace plan (subsidized)Typical cost $0–$120 after subsidiesBest for Low incomes / pre-existing conditions

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